{"id":18439,"date":"2025-04-24T16:15:01","date_gmt":"2025-04-24T14:15:01","guid":{"rendered":"https:\/\/www.accountable.eu\/?p=18439"},"modified":"2025-04-24T16:18:40","modified_gmt":"2025-04-24T14:18:40","slug":"pension-for-self-employed","status":"publish","type":"post","link":"https:\/\/www.accountable.eu\/en-be\/blog\/pension-for-self-employed\/","title":{"rendered":"Pensions for the self-employed: what are you entitled to?"},"content":{"rendered":"\n<p><strong>Many self-employed people worry about their pension. Some people even see it as a barrier to starting a business in the first place. In reality, the idea that self-employed people will only have a small pension isn&#8217;t necessarily true. It&#8217;s possible to significantly increase your pension by making smart choices and through tax optimisation.<\/strong><\/p>\n\n\n\n<p><strong>In this guide, we answer your most pressing questions: How do pensions for the self-employed work in Belgium? What is the statutory pension amount? How do I calculate my pension as a self-employed person and how can I supplement it?\u2009\u2009\u2009<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Your statutory pension as a self-employed person<\/h2>\n\n\n\n<p>Just like employees and civil servants, the self-employed are entitled to a statutory pension. This is financed by the social security contributions you pay throughout your career.<\/p>\n\n\n\n<p><strong>Thanks to government reforms and the implementation of the Voluntary Supplementary Pension Scheme for the Self-employed (VSPSS, or PLCI in French and VAPZ in Dutch) and the Individual Pension Commitment (IPC, or EIP in French and IPT in Dutch) (see below), pensions for the self-employed have increased in recent years.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Calculation of the statutory pension<\/h2>\n\n\n\n<p>Your statutory pension is calculated based on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>your professional income on which you paid social security contributions<\/li>\n\n\n\n<li>the number of years you were self-employed<\/li>\n\n\n\n<li>the legal pension age (currently 66, but 67 from 2030)<\/li>\n<\/ul>\n\n\n\n<p>A full career is defined as 45 years. The longer you pay social security contributions, the higher your pension will be. For a full, 45-year career, you\u2019re entitled to a full pension.<\/p>\n\n\n\n<p>Your quarterly pension is calculated as follows: your taxable income x 0.25 (i.e. for a quarter) x the number of days worked. The final pension is 60% of this amount if you are single or 75% if you receive a \u2018household pension\u2019.&nbsp;<\/p>\n\n\n    <!-- wp:acf\/blog-annotation -->\n    <div class=\"wp-block-acf-blog-annotation flex items-start gap-4 bg-light-purple py-6 px-4 rounded-lg mb-3 mt-3\">\n                    <img decoding=\"async\" class=\"flex-shrink-0\" src=\"https:\/\/www.accountable.eu\/wp-content\/themes\/accountable\/assets\/rebranding-images\/icons\/blog\/widgets\/bulb.svg\" alt=\"bulb\">\n        \n        <div class=\"blog-annotation__text\">\n            <p class=\"font-inter text-lg text-purple m-0\"><a class=\"text-purple underline\" class=\"text-blue-600 hover:underline\" class=\"text-blue-600 hover:underline\" href=\"https:\/\/www.accountable.eu\/en-be\/pension-self-employed\/\">Calculate your monthly pension in just a few clicks with our handy pension simulator.<\/a><\/p>\n        <\/div>\n    <\/div>\n    <!-- \/wp:acf\/blog-annotation -->\n\n\n\n<h2 class=\"wp-block-heading\">The minimum pension for the self-employed<\/h2>\n\n\n\n<p>Has your income decreased during your self-employed career? You may be entitled to the minimum pension.<\/p>\n\n\n\n<p>The minimum pension for self-employed people with&nbsp;<strong>a full career of 45 years<\/strong>&nbsp;is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u20ac20,437.44 per year for a single person<\/strong><\/li>\n\n\n\n<li><strong>\u20ac25,538.78 for a household pension<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Note: You must have had a career of at least 30 years to receive the minimum pension. This is calculated pro rata based on a 45-year career.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to supplement your pension when you\u2019re self-employed?<\/h2>\n\n\n\n<p>The statutory pension for the self-employed is often insufficient. That\u2019s why there are various ways to supplement it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Voluntary Supplementary Pension for the Self-employed (PLCI\/VAPZ)<\/h3>\n\n\n\n<p>The Pension Libre Compl\u00e9mentaire pour Ind\u00e9pendants (PLCI)\/Vrij Aanvullend Pensioen voor Zelfstandigen (VAPZ) is a tax-efficient way to supplement your pension. Here are the benefits of the PLCI\/VAPZ:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You choose the amount to invest, with a maximum of 8.17% of your taxable income and a maximum of \u20ac4,000.44 (in 2025).<\/li>\n\n\n\n<li>The premiums are 100% deductible as business expenses, which means you pay less in tax.<\/li>\n\n\n\n<li>As a result, your social security contributions are also lower.<\/li>\n\n\n\n<li>You also benefit from a tax advantage at retirement age.<\/li>\n<\/ul>\n\n\n\n<p>A win-win situation, therefore, since you save for your future while optimising your taxes and social security contributions.<\/p>\n\n\n    <!-- wp:acf\/blog-annotation -->\n    <div class=\"wp-block-acf-blog-annotation flex items-start gap-4 bg-light-purple py-6 px-4 rounded-lg mb-3 mt-3\">\n                    <img decoding=\"async\" class=\"flex-shrink-0\" src=\"https:\/\/www.accountable.eu\/wp-content\/themes\/accountable\/assets\/rebranding-images\/icons\/blog\/widgets\/bulb.svg\" alt=\"bulb\">\n        \n        <div class=\"blog-annotation__text\">\n            <p class=\"font-inter text-lg text-purple m-0\"><a class=\"text-purple underline\" class=\"text-purple underline\" class=\"text-blue-600 hover:underline\" class=\"text-purple underline\" class=\"text-blue-600 hover:underline\" href=\"https:\/\/www.accountable.eu\/en-be\/blog\/vspss-pension\/\">Want more information about the PLCI\/VAPZ? Find out everything you need to know!<\/a><\/p>\n        <\/div>\n    <\/div>\n    <!-- \/wp:acf\/blog-annotation -->\n\n\n\n<h3 class=\"wp-block-heading\">Pension Agreement for the Self-Employed (CPTI\/POZ)<\/h3>\n\n\n\n<p>Any self-employed sole trader can take out a Convention de Pension pour Travailleurs Ind\u00e9pendants (CPTI)\/ Pensioenovereenkomst voor Zelfstandigen (POZ) to supplement their pension. Here are the advantages of the CPTI\/POZ:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This is an attractive option for saving for the future, given that the PLCI\/VAPZ and individual pension savings are capped.<\/li>\n\n\n\n<li>You\u2019re entitled to a 30% tax reduction on your premiums if your total pension does not exceed 80% of your gross annual income.<\/li>\n\n\n\n<li>You decide how much to invest.<\/li>\n\n\n\n<li>You can get a higher return than with a PLCI\/VAPZ.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Individual Pension Commitment (EIP\/IPT)<\/h3>\n\n\n\n<p>People who are self-employed with a company can take out an Engagement Individuel de Pension (EIP)\/ Individuele Pensioentoezegging (IPT). These pension contributions are financed by your company and are deductible as professional expenses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Other ways to supplement your pension when you\u2019re self-employed<\/h2>\n\n\n\n<p>As a self-employed person, you can also choose to supplement your pension in the following ways:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Investing in real estate by purchasing an office, workspace, or home. Mortgage interest on the part of your home you use for your self-employed activity may be tax deductible.<\/li>\n\n\n\n<li>Investing in stocks, ETFs, or cryptocurrencies to achieve a potentially higher return.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Pension when you\u2019re self-employed in a main vs secondary occupation<\/h2>\n\n\n\n<p>When you\u2019re self-employed in a main occupation, you build up your pension as described above. But what if you\u2019re self-employed in a secondary occupation? Your pension then depends on your main activity as an employee or civil servant.&nbsp;<\/p>\n\n\n\n<p>Note: If you\u2019re self-employed in a secondary occupation, you can build up a supplementary pension provided you pay at least \u20ac750 in social security contributions. This is the condition for setting up a PLCI\/VAPZ or a CPTI\/POZ.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ about pensions for the self-employed\u00a0<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1745503472138\"><strong class=\"schema-faq-question\"><strong>How much is the average pension for a self-employed person?<br \/><\/strong><\/strong> <p class=\"schema-faq-answer\">The pension for someone who has been self-employed depends on several factors. The average pension ranges between \u20ac1,200 and \u20ac1,500. It can be higher if you invest in solutions such as a PLCI\/VAPZ or a CPTI\/POZ.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1745503483094\"><strong class=\"schema-faq-question\"><strong>How do I calculate my future pension as a self-employed person?<br \/><\/strong><\/strong> <p class=\"schema-faq-answer\">You can easily simulate your pension by logging in to\u00a0<a href=\"https:\/\/www.mypension.be\/en\">mypension.be<\/a>\u00a0using Itsme. There, you&#8217;ll get an estimate of your statutory and supplementary pension. Want to calculate it even faster? Use\u00a0<a href=\"https:\/\/www.accountable.eu\/en-be\/pension-self-employed\/\">our pension simulator<\/a>!<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1745503501335\"><strong class=\"schema-faq-question\"><strong>How can I increase my pension as a self-employed person?<\/strong><\/strong> <p class=\"schema-faq-answer\">You can supplement your pension by subscribing to a PLCI\/VAPZ or a CPTI\/POZ, by investing in real estate or shares, or by using an EIP\/IPT if you have a company.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1745503514062\"><strong class=\"schema-faq-question\"><strong>What happens my pension if my self-employed income is low?<\/strong><\/strong> <p class=\"schema-faq-answer\">If you have had a full career of 45 years, you\u2019re entitled to a minimum pension. If you\u2019ve worked less than 45 years, the minimum pension will be calculated pro rata.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Many self-employed people worry about their pension. Some people even see it as a barrier to starting a business in the first place. In reality, the idea that self-employed people will only have a small pension isn&#8217;t necessarily true. It&#8217;s possible to significantly increase your pension by making smart choices and through tax optimisation. In [&hellip;]<\/p>\n","protected":false},"author":24,"featured_media":18443,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[269],"tags":[],"class_list":["post-18439","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-important-things-to-know"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pensions for the self-employed: what are you entitled to? - Accountable<\/title>\n<meta name=\"description\" content=\"How much does a self-employed person receive in pension in Belgium? And what are the different ways to increase that amount?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.accountable.eu\/en-be\/blog\/pension-for-self-employed\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pensions for the self-employed: what are you entitled to? - Accountable\" \/>\n<meta property=\"og:description\" content=\"How much does a self-employed person receive in pension in Belgium? And what are the different ways to increase that amount?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.accountable.eu\/en-be\/blog\/pension-for-self-employed\/\" \/>\n<meta property=\"og:site_name\" content=\"Accountable\" \/>\n<meta property=\"article:published_time\" content=\"2025-04-24T14:15:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-24T14:18:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.accountable.eu\/wp-content\/uploads\/2021\/10\/AC_Blog_Illustration_Pension_14.png\" \/>\n\t<meta property=\"og:image:width\" content=\"686\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Valesca\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Valesca\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/pension-for-self-employed\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/pension-for-self-employed\\\/\"},\"author\":{\"name\":\"Valesca\",\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/#\\\/schema\\\/person\\\/e9b420257ec5e7ac236d337e8c3aa7ad\"},\"headline\":\"Pensions for the self-employed: what are you entitled to?\",\"datePublished\":\"2025-04-24T14:15:01+00:00\",\"dateModified\":\"2025-04-24T14:18:40+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/pension-for-self-employed\\\/\"},\"wordCount\":987,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/pension-for-self-employed\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.accountable.eu\\\/wp-content\\\/uploads\\\/2021\\\/10\\\/AC_Blog_Illustration_Pension_14.png\",\"articleSection\":[\"Important things to know\"],\"inLanguage\":\"en-BE\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/pension-for-self-employed\\\/#respond\"]}]},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/pension-for-self-employed\\\/\",\"url\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/pension-for-self-employed\\\/\",\"name\":\"Pensions for the self-employed: what are you entitled to? - Accountable\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/pension-for-self-employed\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/pension-for-self-employed\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.accountable.eu\\\/wp-content\\\/uploads\\\/2021\\\/10\\\/AC_Blog_Illustration_Pension_14.png\",\"datePublished\":\"2025-04-24T14:15:01+00:00\",\"dateModified\":\"2025-04-24T14:18:40+00:00\",\"description\":\"How much does a self-employed person receive in pension in Belgium? 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The average pension ranges between \u20ac1,200 and \u20ac1,500. It can be higher if you invest in solutions such as a PLCI\\\/VAPZ or a CPTI\\\/POZ.\",\"inLanguage\":\"en-BE\"},\"inLanguage\":\"en-BE\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/pension-for-self-employed\\\/#faq-question-1745503483094\",\"position\":2,\"url\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/blog\\\/pension-for-self-employed\\\/#faq-question-1745503483094\",\"name\":\"How do I calculate my future pension as a self-employed person?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can easily simulate your pension by logging in to\u00a0<a href=\\\"https:\\\/\\\/www.mypension.be\\\/en\\\">mypension.be<\\\/a>\u00a0using Itsme. There, you'll get an estimate of your statutory and supplementary pension. Want to calculate it even faster? 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